US 20050029349 A1
A system for increasing transaction security across existing infrastructure is provided. A user bio-metric sensor device is integrated into a credit or debit card. A display unit provides a key, preferably encrypted, upon successful utilization of the sensor device. Included in the key generation mechanism is an indicator of the transaction number or other sequential count indicative of card use. An authorization service decrypts the key in a manner at least partially dependent upon a second sequential count maintained in sync with the first count to determine whether the use is authorized. In one embodiment, a separate credit card reader may be configured to read conventional credit cards, smart cards, and credit cards incorporating such bio-metric sensor devices.
1. A self-contained apparatus configured for a user thereof to operate with at least some account number transaction devices that are adapted to receive and process account information associated with credit card and debit card transactions, the apparatus comprising:
a body sized with substantially a same shape, form factor, and properties of a plastic credit card integrated with a smart card for use with the account number transaction devices, the body having at least one transaction independent account number integral thereto;
one or more electronic circuits disposed within the body, the one or more electronic circuits including;
a display configured to display a dynamic security key code;
a bio-metric interface configured to receive bio-metric data;
a memory configured to electronically store bio-metric data associated with the user and the at least one transaction independent account number,
a processor that when activated is configured to:
compare the bio-metric data received from the bio-metric sensor with bio-metric data stored within the memory, wherein the bio-metric data is associated with the user of the apparatus;
increment a transaction counter if a positive comparison is found between the stored bio-metric data and the bio-metric data received from the bio-metric sensor;
generate an encryption key from the stored bio-metric data;
transmit the encryption key to the account number transaction devices along with the transaction independent account number; and
a power source disposed within the body, the power source configured to power at least some of the electronic circuits.
2. The apparatus of
3. The apparatus of
4. The apparatus of
5. The apparatus of
6. An apparatus configured for a user thereof to read data from at least one card such as a credit card or a smart card, the apparatus comprising:
a body configured to receive at least a portion of the electronic transaction card card therein to read data therefrom;
a display configured to display a dynamic security key code;
a bio-metric interface configured to receive bio-metric data;
a memory configured to electronically store bio-metric data associated with the user and at least one transaction independent account number received from the electronic transaction card; and
a processor that when activated is configured to:
compare stored bio-metric data associated with the user thereof with bio-metric data received from the bio-metric interface;
compare stored account data associated with the user thereof;
increment a counter if the users bio-metric data associated with the at least one transaction independent account number matches the stored data;
generate an encryption key partially from the stored bio-metric data; and
transmit the encryption key to one or more account number transaction devices along with the transaction independent account number.
7. A method of processing a transaction associated with a transaction independent account number associated with a user thereof, the method comprising:
retrieving the transaction independent account number from a card;
receiving bio-metric authentication data from the user of the card from a bio-metric sensor;
comparing the bio-metric authentication data with stored data associated with the transaction independent account number;
determining if the user is authorized to use the card;
if the user is authorized to use the card:
incrementing a transaction counter;
generating a security key in a manner at least partially dependent upon a count of the transaction counter, and at least partially dependent upon the user's bio-metric authentication data; and
transmitting the security and the transaction independent account number to an authorizing authority for processing thereof.
This is a divisional application of U.S. patent application Ser. No. 09/843,572, filed Apr. 26, 2001, now U.S. Pat. No. ______.
1. Field of the Invention
The present invention relates generally to the field of credit card security, and more particularly to a bio-metric smart card, a bio-metric smart card reader and a method of use for the card and reader.
2. Description of the Related Art
Recent innovations have brought significant security-related advances to the credit card, debit card, and consumer banking industries. In the 1980s, holographic images were introduced and included on plastic card faces to deter the manufacture of counterfeit cards. More recently, some cards have been adapted to include a photograph of the authorized user, thereby obviating the need for a purchaser to present separate identification and decreasing the likelihood of fraud. Most recently, smart cards, also known as personal data cards or chip cards, which include a memory chip integral with the card, now provide additional security features.
Despite these advances, the industry remains burdened by a considerable fraud problem. Credit card theft and fraud accounts for billions of dollars in damages a year in the U.S. alone, with billions more being lost overseas. Holographic images do nothing to deter the unauthorized use of a genuine card and new technology has made them easier to copy. Sub-thumbnail sized photos on cards are often too small for careful examination by store clerks, and like holograms, cannot be viewed during online or telephone-based transactions. And smart cards provide no new security features unless used across a new breed of card-reading infrastructure, which will cost hundreds of millions of dollars to install. Moreover, like the other new technologies described above, smart cards do not address online and telephonic sales scenarios wherein the merchant lacks the ability to examine the actual card. Perhaps most importantly, since smart cards are not compatible with the existing card-reading infrastructure they do not address the near term needs of the industry and the massive on-going losses caused by fraudulent use.
In the above-described available transaction process, while recent security advances do provide some crime protection, there is still far more opportunity than desirable for deception and fraud. Specifically, if the card is lost or stolen the thief or finder of the lost card might use the card for fraudulent purchases. Also, if a thief finds or steals a receipt or similar record listing the card number and other card information found in field 112, that information might be fraudulently used for online or telephonic transactions.
There is therefore a need in the art for a new fraud-preventive system and method, which is compatible with the existing infrastructure, and can be used securely for remote, telephonic, or Internet-based transactions.
In general, the present invention is a system for increasing transaction security across existing credit card processing infrastructure. A user bio-metric sensor device is integrated into a credit or debit “smart card”. A display unit provides a key, preferably encrypted, upon successful utilization of the sensor device. Included in the key generation mechanism is an indicator of the transaction number or other sequential count indicative of card use. An authorization service decrypts the key in a manner at least partially dependent upon a second sequential count maintained in sync with the first count to determine whether the use is authorized. A separate reader may be similarly configured to read existing smart cards utilizing the process the present invention.
In one embodiment, the present invention is a smart card style apparatus including a bio-metric sensor providing the user an authentication data input for proving the user is authorized to use the account number, a transaction counter for tracking authorized device access events, a processor in electrical communication with the user authenticator and counter, wherein the processor is programmed to generate a security key in response to authentication data received via the sensor, and a display unit to display the security key on the face of the card. The security key is derived at least in part from the contents of the counter. In another embodiment, the present invention is configured as a portable reader for reading and authorizing purchases using existing smart cards. The present invention may also be configured as a peripheral device to a computer system.
According to the present invention, a method of securely authorizing a transaction utilizing an account comprises confirming an authorized use of an account card via a bio-metric sensor, maintaining a first count indicative of a number of instances of such authorized uses, generating a security key in a manner at least partially dependent upon the count, transmitting the security key to an authorizing authority, processing the security key at the authorizing authority, maintaining a second count indicative of a number of transmissions received by the authorizing authority for the account, confirming that the security key was generated by an authorized user at least in part through use of the first count and the second count, and authorizing the transaction if the security key is validated.
The present invention will be readily understood by the following detailed description in conjunction with the accompanying drawings, wherein like reference numerals designate like structural elements, and in which:
The following description is provided to enable any person skilled in the art to make and use the invention and sets forth the best modes contemplated by the inventor for carrying out the invention. Various modifications, however, will remain readily apparent to those skilled in the art, since the basic principles of the present invention have been defined herein specifically to provide a bio-metric smart card, bio-metric smart card reader and method of use. Any and all such modifications, equivalents and alternatives are intended to fall within the spirit and scope of the present invention.
One embodiment of the present invention is illustrated in
A security key display 220 is configured to display dynamic numeric and/or textual data forwarded by microprocessor 216, and intended to accompany the account number for all transactions in the manner outlined below with reference to
In a manner of use of the bio-metric smart card 210 and the present invention, a user's bio-metric indicator (here, a thumb or finger print) or another user-derived input mechanism triggers in microprocessor 216 the generation of a dynamic security key code displayed in the security key display region 220. The display region 220 preferably comprises an LED array, LCD, or other similar, low-cost display mechanism. The displayed security key is then communicated or transmitted to the credit card authorization service either through a reader, or through a telephone or other remote connection (e.g., entry by the user in a web page interface for an online transaction). The security key display region 220 is configured to display dynamic numeric and/or textual data forwarded by microprocessor 216.
More particularly, referring generally to the flowchart of
If a match is found at step 304, the microprocessor 216 increments an activation/transaction counter at step 307 and generates therewith a numeric or alphanumeric security key. The alphanumeric security key is then preferably encrypted at step 308 and forwarded at step 310 to display 220. The operator of a card reader such as magnetic strip reader 120, or a remote seller communicating with the user, then inputs or forwards at step 312 the displayed, encrypted security key along with the other information found on surface 212 and any other required information.
Upon receipt of the card information and encrypted key at an authorization service center, an authorization-side activation counter is then incremented at step 314, thereby remaining synchronized to the activation counter of the bio-metric smart card 210. The key is then decrypted at steps 316 in a manner utilizing the incremented activation count to determine at step 318 whether the authorized user initiated the requested purchase authorization. If the activation counter is sufficiently aligned with the counter reading from the card (within an allowed “window” of transaction counter numbers to allow for transactions being processed slightly out of order) and other easily understood criteria are met (i.e., sufficient credit or funds available, no lost or stolen card alert reported), an authorization signal is returned across network 125 at step 320. If any of the new or available criteria are not met, a “transaction rejected” code or signal is returned at step 322.
Referring next to
Finger print scanner 418 is accessibly disposed upon surface 412 of the card reader 410 and is connected to the microprocessor 416 to provide an input signal triggered by the user placing a thumb or finger upon the surface of the scanner 418.
The display 420 is configured to display dynamic numeric and/or textual data forwarded by microprocessor 416, and is intended to accompany the account number for all transactions in the manner outlined above with reference to
As shown in
In operation, a user inserts a credit card or smart card into the reader. Once the user places an appropriate finger or thumb on the finger-print sensor 514, the security code is generated by the microprocessor 520 and is displayed on the card reader display 512 or electronically transferred to a network. This security code may then be used to authorize a transaction as described above.
As described herein, the present invention provides a greater level of security to credit card transactions, by requiring a bio-metric input, and further by producing a unique security key code for each transaction. The present invention may be incorporated into a new smart card design, including a bio-metric sensor and a display, or may be incorporated as a portable “wallet” that can also be used with standard credit cards.
A preferred method to perform the operation of the encryption and decryption processing will now be discussed in further detail. Other procedures or algorithms may also be used in the present invention, as in well known in the art. First, the following acronyms will be defined:
As described above, the purpose of the bio-metric smart card is to authenticate the subscriber and the transaction for a credit card purchase. In order to perform the authentication, each bio-metric smart card contains a unique cryptographic key, KCARD, which is 80 bits or 10 bytes in length. Each service provider also has a unique key, KDOMAIN, which is 80 bits or 10 bytes.
KCARD is derived cryptographically from KDOMAIN respectively as follows:
The authentication message is encrypted data that is communicated from the bio-metric smart card to the service provider for the purpose of authenticating the subscriber and the transaction. The bio-metric smart card communicates this message via the display on the front of the card, or the data is directly sent via IR or other wireless technology, or by a smart card reader that has an electrical connection to the network. The authentication message is comprised of base 10 values so that it will support most current infrastructures (i.e. telephone, Internet, zone machines, etc.). This message is also cryptographically designed so that the number of digits in the message will comply with industries standards (i.e. Visa, MasterCard, Amex, AT&T, MCI, etc.).
As discussed above, the authentication message contains a transaction (serial) number that is incremented for each transaction. This transaction number is incremented for each transaction so that it will only be accepted once. The transaction number is initially set to zero and when it reaches the value of 999999 the card becomes inoperable, or the transaction number is reset.
The bio-metric smart card increments the transaction number stored in the EEPROM of the card for each authentication message. The authentication message is encrypted using the KCARD encryption key and using the MD2 or DES encryption algorithm. This method allows for each authentication message to be unique for each subscriber and for each transaction. For example, performing MD2(KCARD+transaction number) produces a unique base 10 number. The next transaction increments the transaction number by 1, and thereby produces a different base 10 number, which is not simply the first security code plus one. This provides increased security against fraud, since even if someone has access to one security code, this will not authorize future transactions.
The authentication message is decrypted using the KCARD key and the MD2 or DES algorithm. The decryption key KCARD is generated for each transaction, so that there is no need for transferring this data. The transaction number contained in the authentication message is then referenced to validate the transaction. This is to prevent duplicate transactions. The authentication server may use a transaction number “window” to authorize each transaction in order to accommodate transactions being processed out of order. For example, transactions that are plus five transaction numbers from the current count may be approved.
The smart card or wallet incorporating the present invention must be initialized prior to use in order to store the KDOMAIN value and the user's fingerpint data. This step may be performed at a user's local bank branch, as is currently done to initialize ATM PIN numbers.
Those skilled in the art will appreciate that various adaptations and modifications of the just-described preferred embodiments can be configured without departing from the scope and spirit of the invention. Therefore, it is to be understood that, within the scope of the appended claims, the invention may be practiced other than as specifically described herein.